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Features Business & Finance

The Franklin Chamber of Commerce welcomed Karen Kaleta Photography/Blue Ridge Art and Design recently with a ribbon cutting ceremony.

Owner, Karen Kaleta, offers a wide range of services from photography, design and publishing to event planning and organizational consulting. Kaleta can be reached at (828)369-5663 to set up an appointment.

Photography services includes fine art, natural setting portraits either in your home or location of choice, pet portraits, Event coverage (birthdays, anniversaries, reunions, graduation, races, etc.), residential real estate photography to include visual tour slide shows and advertising shots, as well as commercial and southeastern stock photography for your advertising and marketing needs. Kaleta is available for photography work seven days a week.

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Nearly one and a half million families have been able to positively change their financial situation through Financial Peace University (FPU), the 13-week course taught by Dave Ramsey on DVD. FPU teaches families and individuals commonsense principles like how to make a plan with their money so they are able to free themselves of debt and build lasting wealth. FPU is available for churches, military, nonprofit agencies, and businesses. FPU will be held in Franklin at First Baptist Church located at 69 Iotla Street in Franklin. The classes will begin Thursday, Sept. 15, at 7 p.m. Contact Ed LaFlamm at (828)369-9559 for more information or to register.

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With a grant from the Citi Foundation, Blue Ridge Entrepreneurial Council (BREC) and the Tech 20/20 Center for Entrepreneurial Growth (CEG) have partnered in the BREC Breakthrough Business Challenge program to assist both startups and existing businesses looking to expand. This two-part program includes a business plan competition and a strategic assistance program designed to find and support Western North Carolina’s next breakthrough business ventures.

Between now and Sept. 16, those seeking to start a company or grow an existing small business can apply to participate in the BREC Breakthrough Business Challenge, which is offered free of charge to selected companies.

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If you’ve ever fallen far behind on paying your bills, you know what it’s like to dread whenever the phone rings: What if it’s another bill collector? Ignoring the call – like ignoring a toothache – is never a good idea. Sooner or later, you’re going to have to deal with the situation.

According to Gail Cunningham, spokesperson for the National Foundation for Credit Counseling (NFCC), “Our 2011 Financial Literacy Survey found that most people – 68 percent – pay their bills on time. However, 28 percent said they experience difficulty making timely bill payments.”

Ideally, you should contact your lender as soon as you realize you may have difficulty paying a bill. They would much rather work out a repayment plan than enter the costly and time-consuming collections process.

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